Mail transaction verification system

Abstract

A mail analysis system includes a mail receiving device structured to receive a piece of mail associated with a user and direct the piece of mail to an imaging area, a scanning device structured to capture a scanned image of the piece of mail in the imaging area, a mail sorting structured to contact the piece of user mail to send the mail in one of a predetermined number of directions, and a processing circuit. The processing circuit is caused to receive the scanned image captured by the scanning device, determine if the piece of mail proposes a transaction to the user, transmit information pertaining to the transaction to a financial institution computing system, receive, an indication of the legitimacy of the proposed transaction from the financial institution computing system, and transmit a control signal to the mail sorting device based on the legitimacy of the proposed transaction.

1 . A mail analysis system, comprising:
 a network interface configured to communicate data over a network;   a mail receiving device structured to receive a piece of mail associated with a user and direct the piece of mail to an imaging area;   a scanning device structured to capture a scanned image of the piece of mail in the imaging area;   a mail sorting device structured to contact the piece of user mail to send the mail in one of a predetermined number of directions;   a processing circuit comprising a processor and a memory, the memory structured to store instructions that are executable by the processor to cause the processing circuit to:
 receive the scanned image captured by the scanning device; 
 determine if the piece of mail proposes a transaction to the user; 
 transmit, by the network interface, information pertaining to the transaction to a financial institution computing system associated with a financial institution responsive to determining that the piece of mail proposes a transaction to the user; 
 receive, by the network interface, an indication of the legitimacy of the proposed transaction from the financial institution computing system, the indication of legitimacy identifying the proposed transaction as fraudulent; and 
 transmit a control signal to the mail sorting device based on the legitimacy of the proposed transaction. 
   
     
     
         2 . The system of  claim 1 , further comprising a mail shredding device configured to receive and shred the received piece of user mail, wherein, upon receiving the indication of the legitimacy identifying the proposed transaction as fraudulent, the control signal configures the mail sorting device to send the piece of mail in a mail shredding direction to the mail shredding device. 
     
     
         3 . (canceled) 
     
     
         4 . (canceled) 
     
     
         5 . The system of  claim 1 , wherein the instructions further cause the processing circuit to determine a characteristic of the received piece of user mail based on the scanned image, and the determining of the characteristic includes determining if the received piece of mail is received from a sender identified by a user preference stored in a user database. 
     
     
         6 . The system of  claim 1 , wherein the instructions further cause the processing circuit to determine a characteristic of the received piece of user mail based on the scanned image, and the determining of the characteristic includes:
 performing a textual analysis on the text included on the received piece of mail to determine a subject of the received piece of mail; and   determining a category for the received piece of user mail based on the determined subject.   
     
     
         7 . The system of  claim 6 , wherein the instructions further cause the processing circuit to transmit a notification describing the received piece of user mail to a user computing device associated with the user, the notification including at least one of the legitimacy indication and the determined category for the received piece of user mail. 
     
     
         8 - 20 . (canceled) 
     
     
         21 . A method comprising:
 receiving, by a processing circuit, a scanned image of a piece of mail in an imaging area captured by a scanning device;   determining, by the processing circuit, that the piece of mail proposes a transaction to a user;   transmitting, by a network interface, information pertaining to the transaction to a financial institution computing system associated with a financial institution responsive to determining that the piece of mail proposes the transaction to the user;   receiving, by the network interface, an indication of the legitimacy of the proposed transaction from the financial institution computing system, the indication of legitimacy identifying the proposed transaction as fraudulent;   transmitting a control signal to a mail sorting device based on the legitimacy of the proposed transaction; and   sending, by the mail sorting device, the piece of mail in one of a predetermined number of directions based on the control signal.   
     
     
         22 . The method of  claim 21 , further comprising receiving and shredding, by a mail shredding device, the piece of mail, wherein, upon receipt of the indication of the legitimacy identifying the transaction as fraudulent, the control signal configures the mail sorting device to send the piece of mail in a mail shredding direction to a mail shredding device. 
     
     
         23 . The method of  claim 21 , further comprising determining, by the processing circuit, if the received piece of mail is received from a sender identified by a user preference stored in a user database. 
     
     
         24 . The method of  claim 21 , further comprising:
 performing, by the processing circuit, a textual analysis on the text included on the received piece of mail to determine a subject of the received piece of mail; and   determining, by the processing circuit, a category for the received piece of user mail based on the determined subject.   
     
     
         25 . The method of  claim 24 , further comprising transmitting, by the processing circuit, a notification describing the received piece of user mail to a user computing device associated with the user, the notification including at least one of the legitimacy indication and the determined category for the received piece of user mail. 
     
     
         26 . (canceled)